Because the repayment method in the average capital is to divide the loan principal into equal parts, and then repay the same amount of principal and the interest generated by the remaining unpaid loans in the month every month during the repayment period, the amount to be repaid in the early stage of repayment is relatively large, and the monthly payment will gradually decrease with the continuous repayment.
Therefore, the requirement of average capital on economic income level will be stricter. If you want to choose the average capital repayment method for your mortgage, you need to have a certain economic foundation and be able to withstand the heavy repayment pressure in the early stage.
However, if the income level is average and the economic conditions do not allow excessive investment in early repayment, then it will be better and more stable to choose the equal principal and interest repayment method (the monthly repayment amount will remain unchanged throughout the repayment period).
It is precisely because of this that the mortgage repayment method with equal principal and interest will charge more interest, so banks will generally let them choose equal principal and interest. If they want to choose the average capital, they must take the initiative to apply.
When many people apply for online loans, they will be told that they are black households with insufficient comprehensive scores. If it is not an overdue black household, then we must find other reasons, such as whether the frequency of applying for online loans is too high. If you don't know, you can consult the information of Lan Bing. As long as you know what causes you to become a black household, you can improve online loan big data according to the reasons.
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Choose equal principal and interest or average capital for mortgage?
Choosing equal principal and interest or average capital as the repayment method of mortgage can be decided according to one's own economic situation and repayment ability.
Matching principal and interest is a loan that pays the same amount every month during the repayment period (including principal and interest), in other words, the monthly payment is the same; In the average capital, the total amount of loans is divided equally, and then the same amount of principal and interest generated by the remaining loans in the month are repaid every month. Therefore, at the beginning of repayment, the monthly payment may be larger, and then it will be less and less.
From this, it can be concluded that general capital is suitable for a certain economic foundation and can withstand the large repayment pressure in the early stage; The matching of principal and interest is better for economic conditions where prepayment is not allowed and the income is relatively stable.
However, it should be noted that, under the condition that the total loan amount, loan term and loan interest rate are consistent, the mortgage with equal principal and interest repayment method will generate more interest than the mortgage with repayment method in average capital, and the final repayment amount will be higher.
If you don't want to pay too much interest, you can also choose average capital.